| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 3.33% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $789 | — | $789 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $10K | $17K | 5.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.66% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $666 | — | $666 | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 3.55% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | — | $247 | 0.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | VISION SERVICE PLAN | $4K | — | $4K | 4.91% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | VISION SERVICE PLAN | $3K | — | $3K | 3.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | P.O. BOX 745977 LOS ANEGLES, CA 90074 | VISION SERVICE PLAN | $905 | — | $905 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $268 | $268 | 3.38% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16 | — | $16 | 0.20% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 752 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $404K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $300K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 733 | $132K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.